Senico
ActiveSummary
Senico has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €584,865 and a net result of €1.3m. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 37% of 148 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2026
Axes · tick = 2025
Profitability100=
Solvency57▲+16
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity short (current ratio 0.97 against 1.07 in 2025; short-term debt: 64.2% and cash: 25.3% of total assets), and 68.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
31.7%
Return on assets
71.6%
Age of the figures
3 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2024 and did not fall compared with 2025. These amounts do not establish the cause of the change.
NBB · annual accounts 2026Equity per financial year
2223242526
2022 to 2026 · latest year €584,865
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 13-08-2026, 171 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2026
171 d early
2025
75 d late
2024
45 d early
2023
156 d early
2022
55 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 70 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today. Usually files around 7 December (4 of the last 5 filed years within 116 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-06-2027 close31-01-2028 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2026, abbreviated schema
Equity
€584,865▲ 171%
2025 · €215,829
Total assets
€1.8m▲ 33.0%
2025 · €1.4m
Net result
€1.3m▲ 41.4%
2025 · €932,899
Working capital
-€37,422
2025 · €71,797
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result€1.3m-€1.2m▼ 7.8%€882,433▼ 24.3%€1.2m▲ 40.9%€1.8m▲ 43.2%
Net result€957,363above the sector's middle half-€875,854above the sector's middle half▼ 8.5%€663,481above the sector's middle half▼ 24.2%€932,899above the sector's middle half▲ 40.6%€1.3m▲ 41.4%
Equity€133,594below the sector's middle half-€19,449below the sector's middle half▼ 85.4%€182,930within the sector's middle half▲ 841%€215,829within the sector's middle half▲ 18.0%€584,865▲ 171%
Total assets€1.2mwithin the sector's middle half-€1.8mwithin the sector's middle half▲ 51.2%€1.5mwithin the sector's middle half▼ 18.2%€1.4mwithin the sector's middle half▼ 7.3%€1.8m▲ 33.0%
Debt€1.1m-€1.8m▲ 68.1%€1.3m▼ 27.4%€1.2m▼ 10.8%€1.3m▲ 7.5%
Working capital€7,555below the sector's middle half--€104,434below the sector's middle half€40,400below the sector's middle half€71,797within the sector's middle half▲ 77.7%-€37,422
Solvency11.1%below the sector's middle half-1.1%below the sector's middle half▼ 10.0pp12.2%below the sector's middle half▲ 11.2pp15.6%below the sector's middle half▲ 3.3pp31.7%▲ 16.2pp
Current ratio1.01below the sector's middle half-0.94below the sector's middle half▼ 0.071.03below the sector's middle half▲ 0.101.07below the sector's middle half▲ 0.030.97▼ 0.10
Return on assets (ROA)79.2%above the sector's middle half-48.0%above the sector's middle half▼ 31.3pp44.4%above the sector's middle half▼ 3.6pp67.3%above the sector's middle half▲ 23.0pp71.6%▲ 4.3pp
Staff (FTE)1below the sector's middle half-1within the sector's middle half=1within the sector's middle half=1within the sector's middle half=1=
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 43% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €1.8m
Fixed assets
€697,349 ▲ 199%
Current assets
€1.1m ▼ 0.6%
Equity and liabilities €1.8m
Equity
€584,865 ▲ 171%
Debt
€1.3m ▲ 7.5%
Debt's share of the balance-sheet total falls from 84.4% to 68.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.8m▲
2025 · €1.3m
Cash flow
€1.3m▲
2025 · €946,762
Debt to equity
2.15▼
2025 · 5.42
ROE
225.6%▼
2025 · 432.2%
Interest coverage
751.54▲
2025 · 552.47
Debt ≤ 1 year
€1.2m▲
2025 · €1.1m
Debt > 1 year
€75,062▼
2025 · €89,323
Income taxes
€462,097▲
2025 · €316,379
Staff costs
€68,332▲
2025 · €66,042
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,679 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €48,018 | €58,785 | €63,953 | €66,042 | €68,332 | ▲ 3.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,243 | €14,363 | €12,841 | €13,863 | €14,389 | ▲ 3.8% |
| Other operating charges640/8 | €1,286 | €1,011 | €729 | €2,635 | €1,272 | ▼ 51.7% |
| Gross operating margin9900 | €1.3m | €1.2m | €959,956 | €1.3m | €1.9m | ▲ 40.6% |
| Operating profit (loss)9901 | €1.3m | €1.2m | €882,433 | €1.2m | €1.8m | ▲ 43.2% |
| Financial income75/76B | - | - | €7,280 | €8,506 | €3,680 | ▼ 56.7% |
| Recurring financial income75 | - | - | €7,280 | €8,506 | €3,680 | ▼ 56.7% |
| Financial charges65/66B | €918 | €3,966 | €2,916 | €2,275 | €2,388 | ▲ 5.0% |
| Recurring financial charges65 | €918 | €3,966 | €2,916 | €2,275 | €2,388 | ▲ 5.0% |
| Profit (loss) for the period before taxes9903 | €1.3m | €1.2m | €886,797 | €1.2m | €1.8m | ▲ 42.6% |
| Income taxes67/77 | €306,471 | €286,605 | €223,316 | €316,379 | €462,097 | ▲ 46.1% |
| Profit (loss) for the period9904 | €957,363 | €875,854 | €663,481 | €932,899 | €1.3m | ▲ 41.4% |
| Profit (loss) for the period to be appropriated9905 | €957,363 | €875,854 | €663,481 | €932,899 | €1.3m | ▲ 41.4% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.8m | €1.5m | €1.4m | €1.8m | ▲ 33.0% |
| Fixed assets21/28 | €257,065 | €242,702 | €247,218 | €233,355 | €697,349 | ▲ 199% |
| Tangible fixed assets22/27 | €256,970 | €242,606 | €247,123 | €233,259 | €697,254 | ▲ 199% |
| Land and buildings22 | €239,910 | €231,700 | €223,489 | €215,279 | €207,068 | ▼ 3.8% |
| Furniture and vehicles24 | €17,059 | €10,907 | €23,634 | €17,981 | €16,186 | ▼ 10.0% |
| Other tangible fixed assets26 | - | - | - | - | €474,000 | - |
| Financial fixed assets28 | €95 | €95 | €95 | €95 | €95 | = |
| Current assets29/58 | €951,220 | €1.6m | €1.2m | €1.2m | €1.1m | ▼ 0.6% |
| Amounts receivable within one year40/41 | €475,326 | €495,153 | €219,169 | €668,995 | €678,193 | ▲ 1.4% |
| Trade receivables40 | €429,754 | €381,692 | €216,408 | €668,995 | €678,193 | ▲ 1.4% |
| Other amounts receivable41 | €45,572 | €113,461 | €2,761 | €0 | - | - |
| Current investments50/53 | - | - | €400,000 | €0 | - | - |
| Cash at bank and in hand54/58 | €475,894 | €1.1m | €628,006 | €483,032 | €466,942 | ▼ 3.3% |
| Deferred charges and accrued income490/1 | - | - | €348 | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.8m | €1.5m | €1.4m | €1.8m | ▲ 33.0% |
| Equity10/15 | €133,594 | €19,449 | €182,930 | €215,829 | €584,865 | ▲ 171% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €492,600 | ▲ 2,548% |
| Reserves13 | €114,994 | €849 | €164,330 | €197,229 | €92,265 | ▼ 53.2% |
| Non-distributable reserves130/1 | €0 | - | - | - | - | - |
| Reserves not available under the articles1311 | €0 | - | - | - | - | - |
| Distributable reserves133 | €114,994 | €849 | €164,330 | €197,229 | €92,265 | ▼ 53.2% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €1.1m | €1.8m | €1.3m | €1.2m | €1.3m | ▲ 7.5% |
| Amounts payable after more than one year17 | €130,678 | €117,127 | €103,343 | €89,323 | €75,062 | ▼ 16.0% |
| Financial debts170/4 | €130,678 | €117,127 | €103,343 | €89,323 | €75,062 | ▼ 16.0% |
| Amounts payable within one year42/48 | €943,665 | €1.7m | €1.2m | €1.1m | €1.2m | ▲ 9.5% |
| Current portion of amounts payable after more than one year42 | €13,322 | €13,551 | €15,089 | €15,326 | €15,438 | ▲ 0.7% |
| Trade debts44 | €2,068 | €7,032 | €2,521 | €2,838 | €4,313 | ▲ 52.0% |
| Suppliers440/4 | €2,068 | €7,032 | €2,521 | €2,838 | €4,313 | ▲ 52.0% |
| Advances received on contracts in progress46 | - | €600,000 | €600,000 | €0 | - | - |
| Taxes, remuneration and social security45 | €28,030 | €74,242 | €88,817 | €161,370 | €387,155 | ▲ 140% |
| Taxes450/3 | €24,064 | €67,233 | €82,578 | €154,415 | €385,155 | ▲ 149% |
| Remuneration and social security454/9 | €3,967 | €7,009 | €6,240 | €6,955 | €2,000 | ▼ 71.2% |
| Other amounts payable47/48 | €900,245 | €993,406 | €500,696 | €900,696 | €775,650 | ▼ 13.9% |
| Accrued charges and deferred income492/3 | €348 | €1,693 | €1,345 | €0 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €957,363 | €875,854 | €663,481 | €932,899 | €1.3m | ▲ 41.4% |
| + Depreciation and write-downs630 | €6,243 | €14,363 | €12,841 | €13,863 | €14,389 | ▲ 3.8% |
| Operating cash flow (approximation) | €963,606 | €890,218 | €676,322 | €946,762 | €1.3m | ▲ 40.9% |
| Investment in fixed assets (approximation) | - | €0 | -€17,358 | €0 | -€478,384 | - |
| Change in cash | - | €612,751 | -€460,638 | -€144,974 | -€16,090 | ▲ 88.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
13-08
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
30-06
Financial
Highest result since 2022net €1.3m ▲41.4%
Operating result €1.8m, net result €1.3m, both a record.
30-06
Financial
Equity above €500,000Eq €584,865 ▲171%
5 profitable years in a row build equity to €584,865.
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 75 days late
2025
30-06
Financial
Equity above €200,000Eq €215,829 ▲18%
4 profitable years in a row build equity to €215,829.
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Weakest financial yearnet €663,481 ▼24.2%
Net result drops to €663,481, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €150,000Eq €182,930 ▲841%
3 profitable years in a row build equity to €182,930.
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
07-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Jabbeke · 1 establishment unit since 2014
Ground area
2,362 m²
Building footprint
862 m²
Volume, LiDAR
5,646 m³
Parcel 31012B0713/00F000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Senico
since 20142.236.944.219
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31012B0713/00F000 | Flanders | 2,362 m² | 1 · 862 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
IMOPTIK
BE 0871.190.256
Gent · Eq €574,119
OPTICLUB
BE 0452.617.935
Beveren · Eq €608,573
LENSFACTORY
BE 0479.079.040
Aartselaar · Eq €612,130
Handelskantoor H. De Beukelaer & Co
BE 0404.880.077
Aartselaar · Eq €556,042
HENAU INTERNATIONAL
BE 1000.326.950
Kortrijk · Eq €624,376
Of 250 companies in sector 46432 we hold annual accounts for 172. 119 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-11-2014
Fiscal year end30-06
Activities, NACEBEL 2025
46432Wholesale trade
46190Agents in non-specialised wholesale trade
47742Retail sale of prescription glasses, lenses and sunglasses
E-invoicing
Reachable via Peppol
Peppol ID
0208:0567958061
Also
9925:BE0567958061
Registered
02-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.